Coast 2 Coast Funding Group Mortgage Rates, Fees & Info
IRVINE, CALEI: 5493005LE3FE2MIPPW66
Tax ID: 20-4459706
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Mortgage Data
Review & Overview
Coast 2 Coast Funding Group is a smaller mortgage company specializing in Cash Out Refi, Refi, and Home Purchase loans. Coast 2 Coast Funding Group has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Riverside, San Jose, Oxnard, and San Diego among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Coast 2 Coast Funding Group has an above average approval rate when compared to the average across all lenders. Coast 2 Coast Funding Group is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.38% | 7/13/25 |
| 30 Year Conventional Refi | 6.71% | 7/13/25 |
| 30 Year Cash-out Refi | 7.67% | 7/13/25 |
| 15 Year Conventional Purchase | 7.44% | 7/13/25 |
| 15 Year Conventional Refi | 6.41% | 7/13/25 |
| 15 Year Cash-out Refi | 6.41% | 7/13/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Coast 2 Coast Funding Group Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Coast 2 Coast Funding Group. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
198Origination Dollar Volume (All Markets)
$73,640,000Relative Rate
Coast 2 Coast Funding Group's average 30 year fixed mortgage rate was
7.11%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.56%.
Relative Fees (Closing Costs)
Coast 2 Coast Funding Group's average total fees/closing costs for a 30 year fixed rate
mortgage were $11,319.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 116 | $43,010,000 | $370,776 | $11,880 | 7.17% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 45 | $13,515,000 | $300,333 | $9,825 | 7.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 8 | $5,060,000 | $632,500 | $7,680 | 7.11% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 7 | $3,575,000 | $510,714 | $17,192 | 7.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $2,215,000 | $738,333 | $13,980 | 6.87% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $2,010,000 | $502,500 | $12,058 | 7.19% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $7,507 | 7.28% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,068 | 6.43% |
| BEND, OR (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $6,030 | 6.63% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,274 | 6.99% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,018 | 6.49% |
| SALEM, OR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,958 | 7.50% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,023 | 8.25% |
Similar Lenders
We use machine learning to identify the top lenders compared against COAST 2 COAST FUNDING GROUP based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 198 | $73,640,000 | $371,919 | $11,039 | 7.13% |
For 2024, Coast 2 Coast Funding Group's most frequently originated type of loan was Conventional, with 198 originations.
Loan Reason
For 2024, Coast 2 Coast Funding Group's most frequently cited loan purpose was Cash Out Refi, with 131 originations. The 2nd most popular reason was Refi, with 36 originations.
Loan Duration/Length
For 2024, Coast 2 Coast Funding Group's most frequently cited loan duration was 30 Year, with 189 originations. The 2nd most popular length was 20 Year, with 5 originations.
Origination Fees/Closing Costs
Coast 2 Coast Funding Group's average total fees were $11,319, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 146 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 95 | $34,205,000 | $360,053 |
| 6-7% | 86 | $34,200,000 | $397,674 |
| 5-6% | 9 | $3,505,000 | $389,444 |
| Over 8% | 8 | $1,730,000 | $216,250 |
During 2024, Coast 2 Coast Funding Group's average interest rate for loans was 7.11%, while their most frequently originated rate bucket for loans was 7-8%, with 95 originations.
Loan Sizing
2024 saw Coast 2 Coast Funding Group place emphasis on $200k-400k loans with 85 originations, totaling $24,665,000 in origination value.
Applicant Income
Coast 2 Coast Funding Group lent most frequently to those with incomes in the $100k-150k range, with 55 originations. The second most popular income band? $50k-75k, with 39 originations.
Applicant Debt to Income Ratio
Coast 2 Coast Funding Group lent most frequently to those with DTI ratios of 44%, with 22 originations. The next most common DTI ratio? 20-30%, with 22 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications100.00%
Coast 2 Coast Funding Group has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 198 | $73,640,000 | $371,919 |